It appears that they quote primarily term policies. Also a small Guaranteed Issue whole life policy. It also appears they offer the same plans most independent agents have.
The biggest difference working with an internet site or call center and with a personal Life Insurance agent. Is just that, an independent agent is your agent. The agent or customer service person at Geico works for them. You talk to whoever the computer transferred the call to.
Pricing is the same whether you go the internet call center route or you use a personal agent. Many of us have serviced the same clients and their families for 20 to 30 years. They know us and we know them. When it comes time to re quote them we have the records. If something changes with their company we contact them. When it comes time for their children to buy their own plans we take care of them. If they die we take care of the claim for the family. With most call centers you get whoever answers the phone or are given the 800 number to the Insurance company.
Being an Independent agent since 1985 I may be a biased. ;)
Geico is primarily an auto insurance company. They would be lumped in with State Farm, Allstate, Farmers, etc.
All of those company WILL sell you life insurance. And they will pay the claim when you die just like all life insurance companies. BUT a wise consumer should always shop thier life insurance with companies that are focused only on life insurance. You will usually find much more attractive choices.
Don't select life insurance by brand name. That's the biggest mistake you can make and it's why companies advertise so much.
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The biggest difference working with an internet site or call center and with a personal Life Insurance agent. Is just that, an independent agent is your agent. The agent or customer service person at Geico works for them. You talk to whoever the computer transferred the call to.
Pricing is the same whether you go the internet call center route or you use a personal agent. Many of us have serviced the same clients and their families for 20 to 30 years. They know us and we know them. When it comes time to re quote them we have the records. If something changes with their company we contact them. When it comes time for their children to buy their own plans we take care of them. If they die we take care of the claim for the family. With most call centers you get whoever answers the phone or are given the 800 number to the Insurance company.
Being an Independent agent since 1985 I may be a biased. ;)
All of those company WILL sell you life insurance. And they will pay the claim when you die just like all life insurance companies. BUT a wise consumer should always shop thier life insurance with companies that are focused only on life insurance. You will usually find much more attractive choices.
Don't select life insurance by brand name. That's the biggest mistake you can make and it's why companies advertise so much.
Select by rates and policy features.